Employees
See monthly PAYE, pension, NHF, and net pay before payday or a job offer.
Free Tax Calculator
Know your take-home. See every naira.
Estimate Nigerian PAYE, pension, NHF and net monthly pay. No signup required.
Monthly PAYE, pension, NHF, and net pay from your salary.
Estimates only. Based on the information you enter.
Enter total monthly employment pay before deductions.
₦0₦10M+
Select the state relevant to this estimate. This calculator uses the same federal tax bands across states. State selection is retained for PAYE jurisdiction context.
Lagos PAYE filing
Planning to remit? Lagos requires an L-Number (State Payer ID) for official filings.
Register or sign in on LIRS eTaxResult
ExampleEstimated monthly take-home
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What can change your actual tax?
Your actual payroll may differ because of circumstances this calculator does not know:
- Year-to-date earnings
- Previous employment
- Changes in salary
- Taxable benefits
- Employer-specific payroll information
- Supporting documents for applicable reliefs
- Other income or deductions
- State annual development levies (separate from monthly PAYE)
FAQ
- Does this include the Development Levy?
- No. Most states collect a small annual levy (for example, about ₦100 in Lagos) separately from monthly PAYE.
FAQ
- Do I need an account?
- No. Calculate and review your estimate for free. Enter your email to download your PDF, or optionally email a copy.
- How does state selection work?
- Select the state relevant to this estimate. Federal PAYE bands are the same across states in this calculator. State selection is retained for PAYE jurisdiction context.
- Living in Lagos?
- Have your L-Number (State Payer ID) ready when you prepare an official payslip. You can review amounts in the free payslip generator after calculating here.
- Is this my exact payslip?
- No. It is a representative estimate based on the assumptions you enter.
Disclaimer
Disclaimer: This calculator provides an estimate based on the Nigerian tax rules and Staff Pay calculation assumptions applicable to the selected inputs and calculation year. Actual tax obligations and take-home pay may differ because of individual circumstances, employer records, applicable regulations, year-to-date income, previous employment, relief evidence, and information not provided to this calculator. This tool is for informational purposes only and does not constitute tax, legal, or financial advice. It does not file a return, remit tax, or confirm that any deduction has been paid. Review important decisions with a qualified tax adviser or the relevant tax authority. For payroll management, payslips and compliance tracking, use Staff Pay.
Need a printable payslip layout? Try the free payslip generator.
Tax guides
One guide per calculator mode: PAYE, employer cost, VAT, WHT, CIT, CGT, stamp duty, and more.
- Nigeria PAYE Tax Explained for Employees
- Employer Payroll Cost in Nigeria: Team Planning Guide
- Compare 2025 vs 2026 Take-Home Pay in Nigeria
- Self-Employed Tax Reserve in Nigeria (2026)
- Company Income Tax (CIT) Estimate for Nigerian SMEs
- VAT Estimate for Nigerian Businesses (2026)
- Withholding Tax (WHT) in Nigeria: Rates and Estimates
- Rental Income Tax in Nigeria: Planning Guide
- Employee vs Contractor in Nigeria: Cost and Take-Home Comparison
- Capital Gains Tax (CGT) in Nigeria: 2026 Planning Guide
- Stamp Duty in Nigeria: Leases, Transfers, and Agreements
What You Can Calculate
One free Nigeria tax calculator with eleven modes for salary, payroll, business tax, and property transactions. Each mode opens with the right fields and assumptions.
Salary & payroll
Take-home pay, employer cost, and year-on-year comparisons.
- Monthly PAYE, pension, NHF, and net pay from your salary.Employees who want to see what lands in their account each month.
- Total team cost with PAYE by state, pension, and statutory lines.Owners and HR planning payroll for more than one person.
- Same salary under 2025 rules vs 2026 rules side by side.Anyone comparing how the new tax law may change take-home pay.
Business & company tax
Self-employed reserves, company tax, VAT, and withholding.
- Annual tax reserve from business revenue and expenses.Freelancers, sole traders, and business owners who pay themselves.
- Companies Income Tax (CIT) from turnover, profit, and reliefs.Registered companies and SMEs planning annual company tax.
- Output VAT, input credits, and monthly VAT to set aside.Businesses charging or planning to charge VAT on sales.
- Tax withheld before you pay rent, fees, contracts, or dividends.Anyone paying vendors, landlords, or professionals who need WHT.
Property & transactions
Rent, asset sales, stamp duty, and how you pay people.
- Annual tax on rent received after expenses and mortgage interest.Landlords and property owners with rental income.
- Same monthly amount as an employee salary vs a contractor invoice.Engagers deciding how to structure pay, or contractors comparing paths.
- Tax on profit when you sell property, shares, or other assets.People planning a disposal and wanting a CGT estimate.
- Duty on leases, agreements, transfers, and some receipts.Anyone stamping a lease, deed, contract, or electronic transfer.
How the Nigeria Tax Calculator Works
Staff Pay Free Tax Calculator turns your inputs into a labelled estimate you can review in seconds.
Step 1
Pick Your Mode
Start with take-home pay, payroll cost, VAT, WHT, or another mode that matches your question.
Step 2
Enter Real Numbers
Add salary, revenue, expenses, or transaction details. Adjust pension, NHF, rent relief, and state where it matters.
Step 3
Review and Export
See a labelled breakdown with assumptions shown. Download a PDF summary when you need to keep a copy.
Built for Nigerian Pay and Tax Planning
Whether you are checking take-home pay, planning payroll, or estimating VAT and WHT, the calculator stays plain and assumption-led.
Employers and HR
Model team payroll cost, statutory lines, and PAYE by state before you run payroll.
SMEs and freelancers
Plan VAT, WHT, company tax, rental income, and self-employed reserves with clear assumptions.
Why People Search for a Nigeria Tax Calculator
- See take-home pay before accepting a salary or raise
- Compare 2025 and 2026 PAYE on the same gross pay
- Estimate employer payroll cost with pension and statutory lines
- Plan VAT, WHT, CIT, rental income, CGT, and stamp duty reserves
- Export a PDF summary for your records or accountant
- Move from estimates to payroll on Staff Pay when you are ready
Best Nigeria Tax Calculator for 2026
Staff Pay Free Tax Calculator is the most complete free option when you need more than a single PAYE check: employer payroll cost, gross-up, VAT, WHT, company tax, rental income, capital gains, stamp duty, and 2025 vs 2026 salary compare in one place.
| Tool | Best for | Stand-out features |
|---|---|---|
| Staff Pay | Employers, HR, SMEs, multi-scenario planning | 11 modes, employer cost, gross-up, VAT/WHT/CIT, 2025 vs 2026 compare, PDF export, path to live payroll |
| KeepAm | Quick personal PAYE | Fast employee take-home with statutory reliefs |
| TaxCalc.ng | Visual PAYE breakdown | Monthly and annual band views |
| NaijaTaxPro | Reform and policy context | 2025 vs 2026 reform framing for PAYE and CIT |
Nigeria Tax Calculator FAQ
- What is the best Nigeria tax calculator in 2026?
- For the widest variety in one free tool, use Staff Pay Free Tax Calculator: eleven modes covering employee PAYE, employer payroll cost, 2025 vs 2026 salary compare, self-employed reserves, VAT, WHT, company tax, rental income, contractor vs employee, capital gains, and stamp duty. Single-purpose calculators can be simpler for one question; Staff Pay is the strongest choice when you need payroll, business tax, and personal PAYE in one place.
- Which Nigeria tax calculator has the most features?
- Staff Pay offers eleven calculator modes in one free tool, including employer statutory cost (NSITF, ITF), gross-up from net pay, VAT and WHT planning, and side-by-side 2025 vs 2026 take-home compare. Most competitors focus on employee PAYE only.
- How does Staff Pay compare to KeepAm or TaxCalc.ng?
- KeepAm and TaxCalc.ng are strong for quick personal PAYE checks. Staff Pay Free Tax Calculator goes further for employers and finance teams: employer payroll cost, gross-up, VAT, WHT, company tax, rental income, CGT, stamp duty, and reform compare modes, plus a path to live payroll on Staff Pay.
- Is the Staff Pay Nigeria tax calculator free?
- Yes. Calculate instantly with no account. Enter your email only when you download or email your estimate PDF.
- Does Staff Pay include 2026 rent relief and PAYE bands?
- Yes. Employee, employer, and compare modes use Nigeria Tax Act 2026 planning schedules, including rent relief where you enter annual rent, pension, and NHF.
- What can I calculate with this Nigeria tax calculator?
- Eleven planning modes: employee take-home and PAYE, employer payroll cost, 2025 vs 2026 salary comparison, self-employed tax reserve, company income tax, VAT, withholding tax, rental income tax, contractor vs employee comparison, capital gains tax, and stamp duty.
- Do I need a Staff Pay account to use the tax calculator?
- No. Calculate and review estimates for free. Create a Staff Pay account only if you want to run payroll, pay staff, or use Tax Lab in your dashboard.
- How does state of residence affect PAYE in Nigeria?
- State identifies PAYE jurisdiction for planning context. This calculator applies the same federal tax bands for every state. Lagos residents may also need an L-Number when preparing official payslips.
- Is this Nigeria tax calculator accurate for filing?
- It gives representative estimates based on the assumptions you enter. It is for planning and education, not tax filing, remittance advice, or legal guidance. Confirm figures with your accountant or tax authority before filing.
- Does Staff Pay tax calculator use 2026 Nigeria tax rules?
- Yes. Employee, employer, and comparison modes reflect Nigeria Tax Act 2026 planning schedules used in Staff Pay payroll estimates, including rent relief where applicable.
- Can I download my tax estimate?
- Yes. After you calculate, enter your email to download a PDF summary of your estimate. You can optionally email a copy to yourself.
- Is this my exact payslip?
- No. It is a representative estimate based on the assumptions you enter. For a printable payslip layout, use the free payslip generator with figures that match real pay.
When to Use It
Useful for salary planning, PAYE checks, payroll costing, and VAT or WHT estimates when you need a quick figure before payday or a business decision.
What This Tool Does Not Do
- It shows estimates from the numbers you enter.
- It does not file taxes or remit on your behalf.
- It does not prove amounts were paid or withheld.
- It does not replace advice from a qualified tax professional.
You get more with Staff Pay tax and payroll
Create a free account to unlock the full version:
- Run payroll with PAYE, pension, and statutory lines calculated for you.
- Issue payslips from real payroll data, not manual re-entry.
- Keep compliance and pay records in one dashboard.
- Move from estimates to live payroll when you are ready to pay staff.
Need recurring payroll, not just estimates?
Staff Pay helps Nigerian businesses run payroll, beneficiaries, schedules, and payouts in one place. Start free, or use Executive Services if you want hands-on help.